National Westminster Bank Plc

Financial Ombudsman decision DRN1672495 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Sat Jul 06deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mr S, through his representative, complains that it was irresponsible of National Westminster Bank Plc to give him an overdraft that he can’t repay.Irresponsible lending

Remove any record of the overdraft and extensions applied for in April, June and July 2018 from Mr S’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1672495.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.